Financial Infidelity Exposed On Financial Audit

Shannon's Income and Tanner's Entrepreneurship [00:01:01]

• Shannon earns $78,000 annually as a general manager in the hospitality industry, with a weekly take-home pay of $1,200, averaging $5,200 per month.
• Tanner describes himself as an entrepreneur running a security company, Ozark South, primarily for parties and bars, and also offering executive security services.

  "I do executive security. What people are secure? I don't know if I can-"

Disagreement on Business Success [00:03:15]

• Shannon expresses skepticism about Tanner's business execution and seeing the fruits of his labor, stating she rarely sees them.
• Tanner disagrees, claiming he has sustained her financially in the past, but Shannon counters that short periods of support are not comparable to years of struggle.

  "Well, I mean, when I look at the amounts from the past, from certain times I may have sustained something, you know, I look at it and go, hey, I mean, I did sustain you during this portion of your life."

The Five-Year Agreement [00:04:55]

• The couple has been married for eight years, and initially agreed Tanner would have five years to build his entrepreneurial ventures.
• This agreement was made before they were married, with Tanner initially pursuing filming and acting, earning $600-$1,200 a month.

  "We had agreed when we got married that he would spend five years building whatever he wanted to build."

COVID-19 Impact and Extended Deadline [00:06:30]

• The COVID-19 pandemic hit two years into their agreement, significantly impacting the independent film industry in St. Louis.
• Shannon granted Tanner an additional three years, extending the total entrepreneurial period to eight years, which concludes in about six months.

  "I told him, hey, you can take another three years. I'll take the three years."

Tanner's Role as Stepfather [00:07:50]

• Tanner clarifies that the two children they have are biologically not his, but he considers them his own and has stepped into the father role.
• He mentions that he never necessarily wanted children but fell in love with Shannon and her kids.

  "No, I get that. But so when I look at that, you know, I stepped in at a time where, you know."

Conflicting Roles: Stay-at-Home Dad vs. Entrepreneur [00:09:15]

• Shannon questions how Tanner could be a stay-at-home dad for five years while pursuing entrepreneurship, especially for children he emphasizes are not his biological offspring.
• Tanner explains his schedule was more flexible, allowing him to handle domestic duties like school runs and meals while working on projects from home.

  "How do we stay-at-home dad or five years of entrepreneurship? That is incredibly conflicting."

Desire to Move vs. Family Stability [00:11:00]

• Tanner wishes to move to areas with more prominent film industries like LA, Atlanta, or New York.
• Shannon is hesitant to move due to her children being in school and her stable career in St. Louis.

  "He wants to move somewhere where film is more prominent, acting is more prominent. I don't want to move because right now my kids are still young."

Tanner's Feelings of Resentment and Being Trapped [00:14:00]

• Tanner admits to feeling trapped, comparing his current situation to his past bachelor lifestyle and wishing he had grown up with a more stable family dynamic.
• He expresses feeling underappreciated for his contributions and love for the family.

  "I mean, I did step into this family, which, and I love them. I'll do anything for them."

Past Business Ventures: Restaurant and Coffee Shop [00:24:30]

• Shannon reveals they previously owned a restaurant that transformed into a coffee shop, purchased for $60,000-$65,000.
• Tanner was involved in working at the restaurant, but Shannon states he was not allowed to manage invoices or employees, and he would close early, impacting the customer base.

  "So, a friend of mine approached me in 2019 about buying her restaurant."

Financial Mismanagement and Allowance [00:28:30]

• Shannon manages the household finances because Tanner has a history of financial irresponsibility and control issues stemming from past trust issues.
• Tanner receives an allowance, which Shannon justifies by his spending habits and lack of consistent contribution to household bills.

  "Well, I do have a control issue and that's because I did trust people in my past and it f***ed me financially."

Tanner's Income and Shannon's Financial Control [00:33:00]

• Tanner's income from his security company and drumming averages $800-$900 per month.
• Shannon's salary covers household bills and savings, while Tanner keeps a percentage of his earnings as "walking money."

  "On the high end, I'd say $800 to $900 a month."

Tanner's Past Job Performance [00:36:00]

• Tanner's track record with traditional jobs is poor; he excelled in sales but quit after two months due to stress, leading to hospitalization.
• He previously worked in timeshare sales, which he found deceptive.

  "I work, and I made number one at the company in two months. What was it? And two months quit."

Tanner's Consideration of Loan Sharks [00:41:30]

• Tanner admits to considering a loan from a "guy that knows a guy" for a down payment on a house, with exorbitant weekly interest rates.
• He backed out due to the high cost and the potential consequences of not repaying.

  "He told me, he's like, I can give you 20, 25,000. For what?"

Tanner's Past Musical Career [00:46:30]

• Tanner claims a successful past as a musician, playing with notable artists like Vince Gill and Tim McGraw, and performing on cruise ships.
• Shannon dismisses this, stating cruise ship work is for those who can't make it on the mainland.

  "I mean, I did play. I played with Vince Gill. I played with Tim McGraw on a couple things."

Credit Card Debt and Misleading Information [00:50:00]

• Tanner has multiple maxed-out credit cards with significant balances and accruing interest, contradicting his claim of never having debt.
• He initially claimed the debt was fraudulent but later admitted to forgetting to pay them due to depression.

  "No, so, okay, I was- He says there were dark times, blah, blah, blah, blah, blah."

Hotel Stays and Lies [00:54:00]

• Tanner admits to lying to Shannon about staying in a hotel alone for three days, claiming he needed solitude.
• He has done this multiple times before, raising serious trust issues.

  "Told my wife I was going to work out of town for a weekend and just stayed in a hotel alone for three days."

Car Loan and Financial Priorities [01:03:00]

• The couple has a $33,842 loan on a 2023 Ford Explorer, leaving them $14,000 underwater.
• Shannon questions Tanner's prioritization of a new car over paying off debt and student loans.

  "This is $756.17 a month at a 15.4% interest rate. What the fuck is wrong with you?"

Student Loans and Credit Card Spending [01:07:00]

• Shannon has significant student loan debt ($17,600) that she has deferred due to not being able to afford payments, while simultaneously spending on non-essentials.
• Her credit card spending, including on restaurants and games, is highlighted as a major issue.

  "But she can't pay her student loans. Go f*** yourself."

Budgeting and Financial Score [01:13:00]

• The couple's budget reveals a significant portion of their income goes towards debt payments and discretionary spending.
• Their combined financial score is a dismal 0.5 out of 10, reflecting their dire financial situation.

  "Spending in a budget. You overspend. 0 out of 10."

Tanner's Continued Deception and Lack of Contribution [01:19:00]

• Tanner continues to lie about his spending and financial activities, even admitting to a potential loan shark.
• Shannon's financial mismanagement, including late payments and excessive spending, exacerbates their problems.

  "You're not even on time on paying your minimums. So you say you always make your payments? F*** you. Not on time."

The Future of the Relationship [01:23:00]

• With Tanner's entrepreneurial deadline looming, the couple faces a critical conversation about their future, with Shannon considering moving on if he doesn't become financially responsible.
• Tanner's inability to contribute financially and his continued pattern of deception leave their relationship and financial goals in jeopardy.

  "If you're not willing to help me meet those goals, then we'll never be on the same page about anything."